Comprehensive Bike Insurance

By choosing ACKO Comprehensive Two-wheeler Insurance Policy, you transact directly with us through our website or app. Since we operate on a digital platform, our operating costs are lower, resulting in affordable bike insurance plans.

We will pay the repair bill (as per the policy’s terms and conditions) directly to the network garage, resulting in cashless repairs. You just need to pay what’s not covered by the policy.

Whether you want to buy or renew a Comprehensive Bike Insurance Policy online, you can quickly get it done through our platforms (website/app). The process is simple, and it’s easy to complete the purchase/renewal journey.

Like our simple process to buy or renew bike insurance cover, you can also file a claim instantly through our website/app. Log in to your ACKO account, select the “Claim Now” option, answer a few simple questions, upload the required photos, and click on “Submit” to raise your claim.

A broken mirror doesn’t require a lengthy procedure to get your compensation. We offer an instant claim settlement for such damages. For more extensive damages, we try to settle the claim within a few hours or days (depending on the severity of the damages).

You can save more by opting for our long-term Comprehensive Two wheeler Insurance Policy for your two-wheeler. Buying multi-year bike insurance helps you save money in the long run. Also, look for discounts and offers during special occasions and festivals to get low prices on bike insurance.

If you are purchasing a new two-wheeler, you also need to buy new bike insurance to comply with the law. Consider purchasing the Comprehensive Bike Insurance Policy because it offers comprehensive coverage for own damage and third-party liabilities.

High-end sports or superbikes are a considerable investment. Hence, if you own an expensive bike, you should consider buying the Comprehensive 2-wheeler Insurance Plan for maximum coverage.

If you like to travel long distances, you must safeguard your bike with the Comprehensive 2 wheeler Insurance Plan for optimum coverage in case of medical emergencies.

If you live in a metro city or area, the traffic and road conditions can be challenging, and the chances of an accident increase rapidly. For coverage against such instances, you should consider buying the Comprehensive Insurance Policy for your vehicle.

If you are very concerned about minor dents or scratches on your bike, you should consider buying the Comprehensive Bike Insurance Policy as it covers damages to your beloved bike.

The IDV is the approximate market value of your vehicle after considering depreciation. Your two-wheeler’s IDV is the maximum sum you receive in case of a total loss, or theft of the vehicle. Please note that the higher the IDV, the higher the premium.

The age of your bike plays a significant role in determining the cost of Comprehensive Bike Insurance. A brand new scooter or bike has a higher premium compared to older ones (due to the depreciation factor, the premium for older bikes is lower).

Generally, expensive and high-end bikes attract a higher bike insurance premium when compared to low-cost two-wheelers. Typically, high-end bikes have high maintenance and bike-part replacement costs, hence the insurance cost is higher for such bikes.

The bike insurance premium for vehicles registered in a metropolitan city or high-traffic area is higher. However, the premium for bikes registered in a remote village or town is lower since the possibilities of road accidents are lower.

The manufacturing year of your bike helps identify the bike’s age and the depreciation factor to determine the vehicle’s IDV, which reduces with time. Therefore, older bikes have lower insurance premiums than brand new bikes.

By opting for the multi-year bike insurance plan, the premium is generally lower compared to a single-year plan. A long-term bike insurance policy offers continuous insurance coverage for a long period.

When you don’t file any claims during the policy period, you receive a discount on the bike insurance renewal premium known as NCB in bike insurance. Hence, the premium can be reduced if you have accumulated an NCB.